Business Loans for Veterans

Supporting Armed Forces Veterans who choose to become entrepreneurs

 
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Terms & Conditions

General Acceptance

Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The above information, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining credit and is warranted to be true, correct, and complete.

 

US Patriot Act:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and business that seeks a business loan. What this means for you: When you apply for a loan, we will ask for your business name, address, and Tax Identification Number. We will also ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

 

For Loan/Merchant Services:

The Merchant and Owner(s)/Officer(s) identified in the application (individually, an “Applicant”) each represents, acknowledges and agrees that (1) all information and documents provided to National Funding, Inc. (“NF”) including credit card processor statements are true, accurate and complete, (2) Applicant will immediately notify NF of any change in such information or financial condition, (3) Applicant authorizes NF to disclose all information and documents that NF may obtain including credit reports to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial loans having daily repayment features and/or Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions, (4) each Assignee will rely upon the accuracy and completeness of such information and documents, (5) NF, Assignees, and each of their representatives, successors, assigns and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary, (6) Applicant waives and releases any claims against Recipients and any information-providers arising from any act or omission relating to the requesting, receiving or release of information, and (7) each Owner/Officer represents that he or she is authorized to sign this form on behalf of Merchant.(8) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (9) this request is for business and not for consumer purposes.

 

For Equipment Services:

I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter(s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes.

 

Text Messaging:

By providing my wireless phone number to National Funding, Inc., I agree and acknowledge that National Funding, Inc. may send text and multimedia messages to my wireless phone number for any purpose. I agree that these text or multimedia messages may be regarding the products and/or services that I have previously purchased and products and/or services that National Funding, Inc. may market to me. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive text or multimedia messages from National Funding, Inc to my wireless phone number.

  
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into the binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If for any reason your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please write to National Funding Inc., 9820 Towne Centre Drive, San Diego, California 92121. Funding amount and credit approval is subject to a full credit profile review.

How Small Business Loans for Veterans Work for You

Like most of their civilian counterparts, many military veteran business owners have difficulty finding the proper financing their businesses need. As a veteran that has served our country, funding shouldn’t stand in the way of serving your community with your local business. Try business loans for veterans to get the service you and your business deserve.

Finance Business Expenses

  • Pay vendor invoices with loan funds
  • Cover unexpected bills like office equipment repair

Make Yourself Heard

  • Introduce new products or services with advertisements
  • Set up partnership programs with other veteran-owned businesses

Buy or Lease Equipment

  • Save your cash flow by making payments instead of buying equipment upfront
  • Lease business equipment to cut down on maintenance costs

Keep Financial Independence

  • Avoid taking loans from friends or family
  • Help keep business and personal funds from mingling

Small Business Loans for Veterans

Veteran Business Loans

Small Business Loans

Secure working capital
for inventory, payroll,
marketing, taxes and more.

$5,000 to $500,000

Learn More

Equipment Financing and Leasing

Equipment Financing
and Leasing

Purchase or lease new
or used equipment.

Up to $150,000

Learn More

How to Apply

How do business loans for veterans work?
Applying for veteran business loans has never been easier.

How to Apply

How to Apply

Why National Funding?

National Funding’s business loans for veterans have been streamlined to make the application and funding process as straightforward as possible. Our easy application and approval process on loans for veterans empower the veteran business owner.

We Know Veteran Businesses

Experience supporting veteran
business owners

Trusted by Businesses Like Yours

Over $2.5 billion in funding to more than 40,000 businesses nationwide

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Loan Specialists Who Care

Experienced Loan Specialists help you make the right decision

Worry-Free Lending

No collateral requirements, plus simple, automatic payments

Resources for Veteran-Owned Businesses

Running a business isn’t always an easy task. As you try to wear the many hats of a business owner, it’s easy to overlook important details, especially when it comes to finances. Check out our resources designed specifically with veteran-owned businesses in mind.

10 Resources for Veteran Business Owners

10 Resources for Veteran Business Owners

Veteran business owners have many resources available to them for running a business effectively. In fact, the sheer number of resources and programs designed for veterans to start their own company can be overwhelming. We’ve picked 10 important resources you can use for your business.

Read More

How Loans for Veterans with Bad Credit Can Open New Doors

How Loans for Veterans with Bad Credit Can Open New Doors

After serving your country, the last thing you want to hear is that your credit score isn’t good enough to secure business financing. This guide will help you learn how to get a veteran small business loan with less than perfect credit. It also looks at how these loans can help you take your business to the next level.

Read More

FAQ: Business Loans for Veterans

Finding and securing financing for your veteran-owned business can be confusing. We’re here to help make things clearer. Below are some of the questions we are frequently asked about our veteran business loans.

Are there payments options for a business loan?

Business loans for veterans are generally customized to meet your needs and budget. At National Funding, we offer qualified borrowers flexible payment options to make budgeting easier.

If you’re a veteran and have been denied a business loan by a traditional lender, apply with National Funding. We’re committed to getting to know the people behind the business. We’ll work with you to find a financing solution that fits your needs.

Unlike other business owners, veterans usually use specific skills learned during their time in service to run their business. This can give you an edge over your competition. However, to take advantage of opportunities that come your way, you need access to quick financing. Alternative lenders like National Funding offer the fast loan funding your business needs.

Ratings & Reviews

We are very proud of what our customers are saying on TrustPilot.

Disclosures

Legal Disclosures

True to our mission, we encourage you to read the following policies and learn how they affect you as a client.

 

(1) 24 hours:

Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.

 

(2) Early payoff discounts:

National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process.  Equipment Finance customers who pay off the total remaining balance early,  at any point during the contract, will automatically receive a 6% discount off the total remaining balance.   Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance.  We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.

 

(3) Automatic payments:

Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.

 

(4) Wide variety of payment options:

  • Equipment Financing: payments are remitted monthly with terms of 2-5 years
  • Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months

 

(5) Potential Tax Savings:

The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.

 

(6) Guaranteed lowest payment:

Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.

In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.

The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.

The Guaranteed Lowest Payment may be discontinued at any time without notice.

To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.

 

(7) Terms and Conditions apply:

This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.